“Void if not presented within 90 days.”
These seven unassuming words were printed on the face of a settlement check that an insurance company issued in response to a plaintiff’s demand. Unfortunately for the insurer, the bank’s imposition of the
Cozen O'Connor Blogs
Latest from Cozen O'Connor
Subrogation and Auto Technologies: Emerging Recovery Opportunities for Property Losses
Subrogated insurance carriers have historically had success achieving recoveries in the automotive industry for property damage or diminution in value involving “conventional” defects, such as a faulty design which make a vehicle susceptible to a fire or improper activation of
Bad Settlement Decisions Can Be Costly: Nevada Recognizes Excess Carrier Bad-Faith Claims
Introduction
Earlier this year, the Nevada Supreme Court issued a significant decision for insurers, policyholders, and coverage counsel in North River Insurance Company v. James River Insurance Company[1]. In a matter of first impression, the Court held that
Appeals Court Vacates OSHA’s Mental Illness Reporting Rule
In a recent decision dated July 21, 2026, the Fifth Circuit (which covers Texas, Louisiana and Mississippi) overturned OSHA’s mental illness reporting rule. OSHA’s rule requires employers to report mental illnesses when a qualified professional finds that the illness is
Ohio Supreme Court Restricts Discovery of Insurer Claim Files in Bad-Faith Cases
The Ohio Supreme Court recently issued an important decision addressing the discoverability of attorney-client communications and work-product materials in insurer bad-faith litigation, holding that attorney-client communications contained within an insurer’s claim file are not automatically discoverable simply because an insured
Not Every Toxic Substance Is a Pollutant: Court Rejects Effort to Shift Methanol Claims into Pollution Coverage
Insurance coverage disputes can involve unusual facts, but the facts in Parsons v. Crum & Forster Specialty Insurance Company are particularly striking. The case arose from the sale of a product marketed as grain alcohol and intended for ethanol-extraction and
Are Injuries Caused By Personal Activities Recordable Under OSHA?
In a standard interpretation letter dated January 20, 2026, OSHA addressed whether an employee who is injured at work by a fire caused by a personal rechargeable lithium-ion battery (commonly used for e-cigarettes/vapes) is recordable on the OSHA 300 log.
Court Declines to Compel Appraisal Where Coverage is Disputed
Court Declines to Compel Appraisal Where Coverage is Disputed[1]
In FutureCare Health and Management Corporation v. Affiliated FM Insurance Company, 2026 WL 1947844 (D. Md. 2026), the United States District Court for the District of Maryland held that appraisal
THE RISE OF THE DATA CENTER: A SUBROGATION BOOM!
The dramatic expansion of AI‑driven data centers is being widely discussed as a once‑in‑a‑generation underwriting opportunity. Carriers, brokers, and reinsurers are racing to deploy unprecedented capacity, parametric solutions, and layered programs designed to address the size, complexity, and speed‑to‑market demands.
Back to Basics Part 3: Give Me Liberty but Pay My Demand!
In this episode of “Subro on the Go,” regular co-hosts, David Brisco (San Diego) and Joe Rich (Miami) are joined by their partners, Phil Carroll (Salt Lake City) and Phil Berens (LA), to continue the Back-to-Basics Series and discuss demand